Compare 2014 Honda Odyssey Insurance Rates in 2024

Trying to find lower auto insurance rates for your Honda Odyssey? Searching for low-cost insurance for a new or used Honda Odyssey could be an all-consuming task, but you can follow our auto insurance buying tips to save time. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the proper way to compare rates for your Honda and locate the cheapest rates.

Consumers need to compare rates occasionally because prices trend upward over time. Despite the fact that you may have had the best deal for Odyssey coverage on your last policy there may be better deals available now. Ignore everything you know about auto insurance because we’re going to show you the proper way to lower your annual insurance bill.

Compare free auto insurance quotes

Shopping for lower auto insurance rates can take hours if you don’t utilize the easiest way. You can waste hours discussing policy coverages with agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Many companies participate in an industry program where insurance shoppers send in one quote, and each company can provide price quotes based on that information. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To get comparison pricing now enter your zip code here.

One minor caveat to using this type of system is buyers cannot specifically choose which companies you want to price. So if you want to select specific insurance companies to request quotes from, we put together a list of low cost auto insurance companies in your area. Click to enter zip code.

Whichever way you use, make absolute certain that you use equivalent coverage data for every company. If you enter different data it will be next to impossible to make an equal comparison.

Lower rates by qualifying for discounts

Insurance is not an enjoyable expense, but you may find discounts that you may not know about. Certain reductions will be credited at the time of quoting, but some discounts are required to be asked about before you will receive the discount.

• Theft Deterrent Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance quote.
• College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
• Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
• Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving can save a little off the medical payments premium.
• Good Grades Discount – Excelling in school can save 20 to 25%. You can use this discount normally up until you turn 25.
• One Accident Forgiven – Not a discount per se, but a handful of insurance companies allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
• Bundled Policy Discount – If you insure your home and vehicles with one insurance company they may give you a discount of at least 10% off all policies.

Don’t be surprised that most of the big mark downs will not be given to the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount will help reduce your overall premium however.

If you would like to choose from a list of insurers that can offer you the previously mentioned discounts, enter your zip code here.

How do insurance companies determine Honda Odyssey insurance costs?

Lots of factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, although others are less obvious like where you live or how safe your car is.

• Older drivers are lower risk – Drivers with little experience are known to be less responsible behind the wheel so they pay higher insurance rates. Having to add a youthful driver onto a policy will cause a huge premium hike. Older drivers tend to be more responsible, cause fewer claims and accidents and get fewer tickets.
• Get cheaper prices if you’re married – Having a spouse can actually save you money on your insurance policy. Having a significant other may mean you are more responsible and it’s statistically proven that drivers who are married file infrequent claims.
• Gender and car insurance – Over time, data shows females are less aggressive when driving. However, this does not mean males are worse at driving than females. Women and men are responsible for accidents at a similar rate, but guys have accidents that have higher claims. Not only that, but men also have more aggressive citations like reckless driving and DUI.
• Prevent theft and save – Driving a car that has a built-in theft deterrent system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft.
• Insurance policy lapses increase prices – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your insurance lapse. Not only will you pay more, getting caught without coverage could result in a fine, jail time, or a revoked license.
• Accidents hurt – Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Just one ticket could increase your next policy renewal by as much as thirty percent. Drivers who get license-revoking tickets such as reckless driving or DUI may face state-mandated requirements to submit a SR-22 form with their state’s licensing department in order to drive a vehicle legally.
• Premiums can change based on your address – Residing in less populated areas of the country has it’s advantages when trying to find low car insurance rates. Fewer drivers means fewer accidents and a lower car theft rate. Drivers who live in large cities tend to have more road rage incidents and a longer drive to work. More time on the road means more chance of being in an accident.
• Increase comp and collision deductibles and save – Insurance for physical damage, also called ‘full coverage’, is used to repair damage to your Honda. Examples of some claims that would be covered could be colliding with a building, damage from fire, or theft. Comprehensive and collision coverage deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. The more the insured has to pay upfront, the bigger discount you will receive for Odyssey coverage.

Insurance coverage is unique, just like you

When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions might help in determining whether or not you could use an agent’s help.

• I have good health insurance, so how much medical payments coverage do I need?
• Is extra glass coverage worth it?
• What is the rate difference between pleasure use and commuting?
• Am I covered if I hit my neighbor’s mailbox?
• Does my car insurance cover rental cars?
• Am I missing any policy discounts?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• I have a DUI can I still get coverage?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out your zip code. It is quick, free and may give you better protection.

Insurance coverage breakdown

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability insurance covers claims such as court costs, emergency aid, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like surgery, dental work and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Honda Odyssey.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision protection

Collision insurance will pay to fix damage to your Odyssey caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

More quotes mean more savings

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Throughout this article, we presented quite a bit of information on how to shop for 2014 Honda Odyssey insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding low cost insurance. You may even discover the best price on insurance coverage is with a smaller regional carrier.

Some insurance providers do not provide internet price quotes and these smaller providers work with independent agents. Cheap 2014 Honda Odyssey insurance is definitely available both online and with local insurance agents, so you should compare both in order to have the best price selection to choose from.